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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,059 | $57,108-82.4% | $94,229-89.3% | $52,331-80.8% |
| Participation rate | 69.7% | 72.9%-3.2pp | 78.8%-9.1pp | 68.1%+1.6pp |
| Annual return | -0.32% | 1.47%-1.8pp | 10.68%-11.0pp | 4.54%-4.9pp |
| Employer contribution / active EE | $1,711 | $1,735-1.4% | $3,587-52.3% | $1,882-9.1% |
| Participant deferral / active EE | $262 | $3,040-91.4% | $4,320-93.9% | $3,022-91.3% |
| Admin fee / account holder | $585 | $546+7.1% | $6,269-90.7% | $592-1.0% |